americans. according to independent research, millions of people are watching their premiums skyrocket to new highs this year. there's also a reverse impact for some who used to have policies but can no longer afford them under obamacare. for them, it's a case of costly care. when you first heard about obamacare, were you excited about the idea that you'd be able to afford some good insurance? janet hill: at first, i was. and then i just got so disappointed with it. sharyl: janet hill is a professional transport driver in fernandina beach, florida. when she took a new job that didn't provide insurance, she priced out policies and got severe sticker shoho. janet: they told me it would be $400 or $500 a month. i can't afford that. sharyl: hill joins an emerging class that's an unintded side effect of the affordable care act -- the newly-uninsured. it's not part of the rosy portrait painted by president obama. pres. obama: up to 129 million americans with pre-existing

denied coverage e be charged more just because thth've been sick. 137 million americans with private insurance are now guaranteed preventive care coverage. sharyl: under obamacare, a new reality is setting in -- more people have health insurance, but for millions, policies cover less, and cost more. nathan nascimento is a senior policy adviserert freedom partners, a libertarian-leaning nonprofit that opposes obamacare. nathan nascimento: what 'they're realizing is they just can't afford the monthly premium and they just can't afford the deductibles and out of pocket costs. what good is it carrying an insurance card in your wallet if you can't afford the treatment that you're getting? sharyl: : scimento says it's turning out just like the fictional harry and louise worried it would in a 1994 ad campaign opposing health care reform.

plan. >> that was a good one, wasn't it? >> things are changing. not all for the better. the government may force us to pick from the few health care plans designed by government bureaucrats. sharyl: the ads, sponsored by an insurance industry coalition, helped deft so-called hillarycare promoted by then-first lady hillary clinton. >> having choices we don't like is no choice at all. >> they choose. >> we lo. nathan: i think we saw what they were saying back then is exactly what we're experiencing right now the fact that health care costs are gonna go up, thahaout of pocket costs are gonna go up , that government run health care is going to be a failed model. and that's what we're seeing exactly today. by the affordable care act. sharyl: here's how the numbers the vast majority of the newly insured 10 million are people now allowed to get insurance from medicaid -- taxpayer-funded insurance for the poor. the affordable care act expanded medicaid to people making more money than before. another 10 million americans who earn too much for medicaid still get taxpayer help to buy

obamacare subsidies. everyone else pays full ice and must choose a bronze, silver, ld or platinum plan. bronze plans have the lowest monthly premiums but large deductibles. at the other end, platinum plans have high monthly premiums but smaller out of pocket responsibilities. most americans have silver plans -- somewhere in between. last week,resident obama touted the supposed affordability. pres. obama: most folks buying a plan on the marketplace can find an option that costs less than $75 a month. sharyl: but we looked at the numbers for 2016 -- and ino state could we find average policies priced even close to $75. washington d.c. has the cheapest silver premium averaget $203. the national average is close to $300. that's according to the private health nonprofit robert wood johnson foundation, which finds overall premiums are up more than 12% in 2016.

the data -- hawaii, montana, minnesota, and alaska, all with average silver plan premium increases above 30%. alaskans are paying $169 per month more than last year. north carolina, utah, kansas, west virginia, tennessee, and oklahoma are all seeing hikes between 20% and 30%. nathan: what we've seen is most states, 49 out of 50, are seeing premium increases. the only state where there was a decrease was mississippi and that was slight it was 0.2%. 17 states are seeing double-digit increases. there are some states that are seeing 30% or higher, including minnesota, which is nearly 47% -- almost 48%, premium increases for the upcoming year. sharyl: yet as recently as october, the obama administration quoted a 7.5% increase and said most consumers would "find plans for less than $100 a month." premium hikes are only half of the burden. deductibles are up, too.

silver plans -- worse in places like mississippi, with an average 42% increase, working out to $1,473 extra for the year and washington state, averaging a 47.6% increase or $1090 more in that state. no matter how much it costs or how little it covers having insurance is now the law and more have gotten insured. pres. obama: as the affordable care act has taken effect, nearly 18 million americans have gained coverage. in fact, for the first time ever, more than 90 percent of americans are covered. nathan: i think the obama administration is trying to save a law that they kn is failing everybody. first and foremost, the obama administration has always put the emphasis on their metrics of success, which is putting an insurance e card in everyone's hand. the premium increases was less important to them. sharyl: in round numbers, 10 million have gototn expanded medicaid, 4 million people h he picked up insurance buying their own policies, and 3-4 million

their parents' plans. but nobody's counting how many previously-insured are now going without, like janet hill. she's paying a price -- a $325 penalty tax in 2015. $695 this year. and so you're doing without insurance. janet: exactly. sharyl: there's a penalty that comes with that. janet: i'm aware of that. sharyl: you're just gonna have pay the penal? janet: that's all i can do. i cannot afford insurance. sharyl: there's another downside. she broke her shoulder and says she just has to live with it because doctors won't see her without insurance. and meantime you have a broken shoulder? janet: yes, this was fractured. because i do nototave no insurance, they do not want to take me. so i just got aggravated and said i'll deal with it myself. sharyl: the congressional budg office now says the affordable care act will cost nearly $2 trillion over the next ten years. that doesn't count the estimated $7 billion tax dollars spent on the various websites. and it doesn't count the individual costs many americanss

deductibles rise.

we go to iowa, where sharylyl: i in case you have not heard, there are political happenings in iowa this week read for all the coverage lately, it seems to be playing out more like a political reality show. our scott thuman is there on this caucus eve.

attention spent on one state with a unique process for coming up with a nominee. scott: you arereight about that. iowa hasas reputation for launchchg little-known candidates like jimmy carter and barak obama on the path to the white house. winners who went nowhere. the conventional wisdom is ignore iowa at your own political peril. so every four years we return to the mid-west winter of des moines to rediscover one of the oddest examples of o o democratic process. >> god bless the great state of iowa. scott: every four ars, the iowa hawkeyes are invaded by the political hucksters. >> i am lucky you are here. i don't know if there are many patriots fans here. scott: no citizen is safe from the spotlight or forced photo op. no fararscene spared from the lame political s sipting of some consultant from d.c. or new york. iowa is act one,cene o on of the

presidential campaign. >> ladies and gentlemen, the president of the united states, donald j trump! >> i c c tell you i am very proud tonight to announce the next president of the united states, senator bernie sanders. >> the next president of the united states, my friends, and a great american, ted cruz. [applause] kyle: this is the first winnowing so it's like a front-loaded super bowl. you'll have some candites that drop out after iowa, new hampshire. and then you get to super tuesday. you don't have to win, but you have to be in the top 3. scott: iowa politics is abouas grassroots as it gets. it is where some candidates spend years building a ground game, hoping that the caucuses will make them a contender. it is proof that all politics is local.

descended from his mass-rally-personal-jet-commuter mass-rally-personal-jet-commuter campaign to attendat church and even stayed overnight in a holiday inn. donald truru: i thought it was terrific.. it was clean.. it was nice. and e bed was good. scott: but in the state where politics is done over dinner, in diners, in community halls that host town halls, this is not a place for casual politics. iowans care about their ises. and of the issues, a quinnipiac university poll this week stacked the top five issues for iowa like this -- ththeconomy and jobs, terrorism, foreign policy, federal deficit, and immigration. kyle: one benefit is intense focus on presidential politics, so it gives iowa a chance to chew on these issues. people really come and camp out here. you have to haha a sustained

counties. scott: the payoff isn't just the pride of being first in the nation. the presidential campaigns in 2016 are expected to spend up to $5 billion dollars -- almost twice that of the 2012 race. they're already breaking expectations in iowa. spending early this week had already topped $53 million for broadcast and cable television ads, including some pricey buys dufing the nfl playoff games. and that's just political advertising. some interesting spending on the ground game. the clinton campaign spent $2000 for pizzas in cedar rapids. rand paul and ted cruz both seem toto like the steaks at johnny's italian steakhouse in des moines, picking up good sized tabs. and ben carson dropped over $2000 for sweet corn at a campaign barbecue. someone should have told him nebraska is the cornhusker state. kyle: iowa has become the reality show for this process,

the scale has grown so big. you just never know why you're going to meet onononil. susan sarandon was hanging out with bernie sanders. the clinton was stumping for his wife. i met robert doing g for triumph the insult comic dog. that is what iowa has become, both beautiful and chaotic. scott: but when it comes to the big score -- how do the winners in iowa actually fare? well, it depends on the party. for the democrats, since bill clinton in 1996, the winner in iowa h has gone on to win the party nomination. for the g.o.p., not so much. the last t republicans to win in iowa -- rick santorum in 2012 and mike huckabee in 2008 -- fizzled soon thereafter. the last iowa caucus winner to seize the nomination was george w. bush in 2000.

iowa as seen by iowans. despite all the press and politics, conser the numbers. the average number of iowans who attend on caucus night is 120,000. that's about 20% of registered voters. in other words, four out of five members of each party, do not go out to the caucuses on the first night kicking off the election cycle. sharyl: scott, are they used to the attention question mark to they still get excited over the caucuses and candidates? scott: i think they get excited about the infusion of cash and filling restaurants and hotels. the one universal thing they agree on here is they are sick of the political ads, the negative ads, whatever you think you' seeing in your state is likely to pale in comparison to what they are seeing in iowa, especially in 2016. sharyl: i bet.

it is the e untdown to caucuses.s. excitement in iowa has created them in some driving toward the actual caucuses tomorrow night. with each day this week, the top of the debate has grown more heated. in case you haven't been glued to your television, here are some of the highlights. ted cruz: i am a maniac. ananeveryone on this stage is stupididfat, and ugly. now that we have gotten the donald trump portion out of the way. >> i don't think you have to give up liberty for a false sense of security. >> there are three lanes. >> i will gladly confess i am the only one on this stage with no pololitical title. sharyl: three miles away from he at drake u uversity, the competing event donald trump promised, the e rally he said would raise money for veterans. donald trurump: will i get more

mr. bush: this election is not sen. sanders: our campaign has the energy -- you see it here tonight. mrs. clinton: i know some of you are still shopping. [laughter] mrs. clinton: i like to shop, too. mr. o'malley: i'm not capable of doing q&a in iowa from a seat. sen. sanders: i think we stand a real chance to create a large voter turnout and i doubt it will be as high as 2008 -- wish it was, but i don't think it will be. bubui think it will be high enough for us to win here in wa. mrs. clinton: i have been on the front lines since i was your age! i have been fighting for kids and women and the people that have been left out and left behind a chance to make the most out of their own lives. sharyl: now from the camampaign trail, we are tracking something

we "follow the money," tracking

on government pork, that is, wasting your tax dollars. the watchdog citizens against government waste tracked the top offenders and has now revealed its "porker of the year," as decided by the public in an online votot in 2015, housing and urb development secretary julian castro took tough questioning from republican blaine luetkemeyer, who said castro failed to have a grip on the books in his own agency, which had gotten a $1.7 billion taxpayer bailout. rep. luetkemeyer: what is your net income fororear 2014, do you know yet? sec. castro:o: can get you that figure momentarily. i'd be glad to get you that number. i don't ve that number in front of me.e. rep. luetkemeyer: you don't know the past due of your own book of business today? sec. castro: i would be glad to get you that figure. rep. luetkemeyer: oh my gosh. sharyl: that helped earn castro the number five spot on the list of top porkers for 2015. castro claims s nances at his leaguered federal housing administration, or fha, are amg the strongest in its histwith cash reserves going up and delinquencies going down.

short in oversight. shatz heads up citizens against government waste. tom: fha has done a number of things to exse taxpayers to liability. fha said it was going to save $45 billion over three years. it cost the taayer $15 billion. and secretary castro really coul't explain much about fha, which many people think is the next fannie and freddie. sharyl: members of congress from both parties also made the pork list. coming in at number four is democrat frank pallone of new jersey. he criticized a government accountability office undercover test of the obamacare e website that revealed security holes, saying the investigators shouldn't have wasted time highlighting difficulties. but the holes allowed fake applicants to qualify and receive $2,500 worth of taxpayer-subsidizezed health insurance coverage, using forged documentation for proof of income or citizenship.

missouri came in at number three for pushing a bill to block some medicare and medicaid audits to flag improper payments. he says s it's because the audits are drowning hospitals in paperwork. but shatz says the audits save billions of tax dollars. tom: he tried to usurp one of the few actions that saveses mey in washington. congressman graves has pushed legislation that would extend a moratorium on certain kinds of audits. this is in light of congress passing several bills to stop improper payments. sharyl: and runner up for the veterans affairs secretary robert mcdonald at number two. rep. coffman: this is a department mired in bureaucratic incompetence and corruption. each major construction project is hundreds of millions of dollars over budget and yeyes behind schedule.e. that's a problem. sharyl: it's not just costly construction. shatz says mcdonald also fell short on leadership in the face of the ongoing va scandal.

hold people accountable for literally creating a false list of waiting times f veterans to get into hospitals. sharyl: mcdonald has says he's -- said he's working to correct the problems within the va, but that the changes will take time. sec. mcdonald: i'm working on the future and i'm going to correct the past. but i'm working on the future, because that's what our veterans want. sharyl: and the number one spot with the title of 2015 porker of the year is irs commissioner john koskinen -- with an overwhelming 43% of the vote total. shatz says koskinen stood out for his "hostility to taxpayers" and a "long litany of incompetence and obstruction," as the irs faced the political targeting scscandal. commissioner koskinen: we take the requirement of irs employees to be tax compliant veve seriououy. we hold people accountable even if their mistakes are inadvertent. sharyl: koskinen also allegedly stonewalled congressional investigations into the mysterious destruction of tens

emails. tom: he was such an obstruionist that eventually the chairman of the house oversight and government reform committee, jason chaffetz of utah, introduced articles of impeachment against cokmissioner koskinen. sharyl: koskinen has testified he's taken every step to be respond to congress and hold irs employees accountable. shatz says it's up to congress to prevent taxpayer abuse, by pressing for more oversight and transparency. tom:m:hese are not political issues. these are genuine abuses of the taxpayers' money. congress is unfortunately more reacti than proactive. taxpayers need to get them to do what's necessary to stop the waste in washington. sharyl: citizens against government waste has started compiling its list of contenders for the 2016 porker of the year. ahead on "full measure" -- a look ahead in cologne, germany where young women talk about

called "the rape game." sharyl: this week, the european union considered allowing border checks to cope wititthe migration crisis in as w wve reported, tightenini borders in europe could have a critical impact on the future of the e.u. more than 1 million people headed to europe in search of new lives last year, most of them refugees fleeing conflict in syria, iraq and afghanistan in the continent's worst migration crisis since world war ii. events of one night may have

attitudes towards many refugees from the middle east and north africa. it was the new year's eve attacks on women in cologne, germany. scott thuman had just returned from germany before going to iowa. those attacks and the impact are part of his report next week on "full measure." scott? scott: sharyl, those attacks new year's eve in cologne and other cities around germany some believe were pplanned, coordinated crimes against women and took place in as many as half a dozen countries. those nations are having to reconsider not only their open border policies but also the integration of arab cultures. we wanted to find out what took place that ninit so we went to cologne, germany. we examined the impact it is having on the habits of young women but also what it means for other countries. there is a definite call for a larger police presence. and now politically, many people are saying they need to rethink their approach on immigration. we will take a much closer look

crime coming up next weekk on "full measure." sharyl: look forward to that. thanks, scott.& that is all for this week. thanks for watching. next week, we will hold more powers accountable.

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